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To give accessibility and affordability to fertility treatments to as many people as possible, so they have the ability to try to achieve a successful pregnancy with a positive outcome

You can!!!  Anyone that has a good credit score and needs a financial “bump” in being able to afford your recommended fertility treatment can apply.  Even if you have insurance that covers some of the cost of your fertility treatment, you can apply for a loan to cover the rest – closing that gap between unaffordability and starting that cycle to get you on the pathway to parenthood.

We prefer credit scores of 700 or higher; however, we have loan options available for those patients who have lower credit scores. We try to help everyone that we can, to give them the bump they need to financially afford access to fertility care.

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NO!  The initial pre-approval process involves a soft credit check that doesn’t impact your credit score.  When you are ready for the final approval process, that application involves a hard credit check which may impact your credit score.

After the initial consultation and when a treatment plan is established by your doctor, your financial coordinator will provide you with a link to the JoyBump platform, by email or text message.  You will also have the option to scan a QR Code that is located at the front desk of your clinic to gain immediate access to the JoyBump portal.   You will need to know the projected cost of the fertility treatment to apply for pre-approval for the loan.  This will allow you to apply for enough money to cover your fertility treatment fees.   You simply answer a few questions and receive pre-approval within 2 minutes, with a soft credit check that doesn’t impact your credit score.  Using our loan calculator, you can explore the various loan options and clearly see how much your monthly payments will be. 

No! JoyBump loans offer complete transparency so you can feel comfortable and safe using a loan to pay for your fertility treatment. If you don’t qualify on the initial application, you will be given a number to call to discuss other loan options to finance your care.  We don’t want anyone to leave JoyBump without the opportunity to explore all of the financing options available for your fertility treatment.

It does not expire so if you need some time to figure out how much you want to finance…you can take that time!

You will have 21 days from the time you are pre-approved, to the time you must select which type of loan you prefer, and to go through the final approval process.  If you don’t complete that process within the 21 day time frame, your loan pre-approval will expire, and you will have to apply again. But don’t worry – that initial pre-approval process doesn’t impact your credit score even if you go through it again.

You can apply for up to $35,000. There are various payment options ranging from interest-free to low interest monthly payments.  Loan durations range from 12 to 60 months.

Yes! Pre-qualification is instant so you will know if you pre-qualify as soon as you fill out the application and then you can explore the various loan plans. Once you select the plan that you want, you can e-Sign your final loan applications. The entire process takes less than 3 minutes for most applicants.

Your practice will receive the loan funds for your cycle.  When you are ready to start your fertility cycle, your practice will request the release of funds through the JoyBump portal and you will approve the release.  Your practice receives the money through an electronic funds transfer within 2-3 days.

No – your practice has partnered with JoyBump specifically to give their patients access to interest-free and low interest financing for fertility treatment, providing accessibility and affordability to as many people as possible.  Your loan will be paid to the clinic that gave you access to the loan application and loan funds will be paid to that practice and not to you.

JoyBump is the only fertility loan company with interest-free financing available to those who qualify for 12, 18 and 24 months.  We have a variety of loan types available including 36 to 60 month loans with low interest rates.  JoyBump never charges a prepayment penalty on any loans.

JoyBump offers a multi-release option for those patients who want to finance pre-cycle testing and one or more fertility treatments, as well as medication, but only want to “pay as they go”.  This function allows you to apply once for a loan amount to cover those costs and then progress through the necessary steps of fertility care, without making payments on money that hasn’t yet been released to your practice.  Your practice will simply request the necessary amount of money for that particular treatment and you can approve the release to the practice.  You will only start monthly payments on the amount you have released to the practice; not how much you have borrowed.  You will have four months to utilize the balance of the loan and the initial release of funds to the practice marks the start of the interest-free, or low interest-loan option time period.

Your first payment will be due 30 days after the release of funds to your fertility practice. You can opt to have an electronic payment made from your approved checking account, or receive a paper invoice and mail in your payment by check each month. 

Our interest rates are some of the lowest in the industry with 7.99% or 9.99% on interest loans of 36 or 60 months, with equal monthly payments. Interest-free loans are available for 12, 18 and 24 months, if you qualify.

Your loan will revert to an interest loan but the interest will only start with the first payment due the month after your interest-free period ends and it is only applicable to any outstanding loan amount that has not been paid. Unlike other loan companies, you will never be charged interest on amount that has already been paid. For example, if you have a $24,000, 24-month interest-free loan and you have only paid $20,000 by month 24, you will be charged interest only on the outstanding $4,000 from month 25.

All loans approved and funded before May 23rd 2022 are being serviced by our loan servicing partner, Scratch. Learn how to enroll for auto-pay to never miss a payment and avoid late fees. If you have not repaid your loan yet, note that your loan will be transferred from Scratch to Five Star Bank on June 3rd, 2022. You would have received a Notice of Servicing Transfer from Scratch and Five Star Bank with the same information. Once your loan has been transferred, you will be able to set automatic payment methods on your JoyBump portal here.

All loans approved and funded after May 23rd 2022 will be serviced by Five Star Bank. Once funded, you will be able to set automatic payment method on your Joybump portal here. You can also see other payment methods by clicking on “Payment options” tab in the upper right corner.

All loans approved and funded before May 23rd 2022 are being serviced by our loan servicing partner, Scratch. Learn how to enroll for auto-pay to never miss a payment and avoid late fees. If you have not repaid your loan yet, note that your loan will be transferred from Scratch to Five Star Bank on June 3rd, 2022. You would have received a Notice of Servicing Transfer from Scratch and Five Star Bank with the same information. Once your loan has been transferred, you will be able to set automatic payment methods on your Joybump portal here.

All loans approved and funded after May 23rd 2022 will be serviced by Five Star Bank. Once funded, you will be able to set automatic payment method on your Joybump portal here.

Your loan purchase window is 4 months. This means that you have upto 4 months to use the funds you have been approved for. 

If you have missed a payment for the first time you will be charged a late fee of $10 provided your past 6 months payments were on time. If you have missed any payments in the past and miss a payment, you will be charged a late fee of $15. If you miss your first payment ever to JoyBump, you may be eligible for a grace period. For more information, please contact our Support Team by either phone or email:

Phone: 1-888-856-2645

Email: support@joybump.com

To provide accessibility and affordability to fertility treatments to as many people as possible, so they have the ability to try to achieve a successful pregnancy with a positive outcome

One you register for JoyBump, we will give you access to your portal.  You can give multiple people on your financial team access to the JoyBump portal, so they can see which patients have started the pre-approval process for a loan, which have been approved, what loan type, and where they are in the process.  Having this knowledge can assist with your internal practice budgeting and cycle management. 

You will request a release of funds through the JoyBump portal. You can request the total amount of the loan to be released; or if the patient is going through pre-testing, a fertility cycle and later frozen embryo transfer cycle, you can request only the amount of funds needed for that particular treatment with the multi-release option.  Remember the patient makes loan payments each month only on the amounts released to the clinic.  The money is electronically deposited into the practice checking account.

The practice receives the money from the loan.  Once you request the release of funds through the JoyBump Admin portal and the patient approves the release, the practice receives the money through an electronic funds transfer, straight into the practice checking account.  You will know when the money has been funded to your account through the patient loan account updates in the JoyBump portal.

After you request the release of funds and the patient approves and releases those funds to the practice, within 2-3 days from the release date.

Most patients would prefer to only start their loan payments for the money that has actually been released from their loan.  The multi-release option gives the patient that flexibility. It also helps with patient retention and keeps the patient moving forward with the fertility treatment cycles because the already-approved funds are tied to your practice.

Any of your patients that need a financial “bump” in being able to afford your recommended fertility treatment.  Even patients who have insurance that covers some of the cost of fertility treatment can apply for a loan to cover the rest.

After the initial consultation and when a treatment plan is established by the doctor, the financial coordinator will provide the patient with a link to the JoyBump platform through their email or cell phone number.  The projected amount of the fertility treatment to apply for pre-approval for the loan will be included in the link. The patient will answer a few questions and find out if they qualify instantly, with a soft credit check that doesn’t impact credit scores.  Using our fertility payment estimator, they can explore the various loan options and clearly see how much they will pay each month. Patients can also scan your personalized QR Code to start their application.

JoyBump loans offer complete transparency so your patients feel comfortable and safe using a loan to pay for their fertility treatment.  If a patient doesn’t qualify on initial application, they will be given a number to call to discuss other loan options to finance their care.  This will pull through those patients that have a lower credit score than our threshold, providing them with access to fertility care.

It does not expire so if your patient needs some time to figure out how much they want to finance…they have time!

Your patient will have 15 days from the time they are pre-approved until the time they have to select which type of loan they want and to go through the final approval process.  If they don’t complete that process within the 15 day time frame, their loan pre-approval will expire and they will have to reapply should they change their mind. But don’t worry – that initial pre-approval process doesn’t impact their credit score.

Yes!  You will receive updates in the JoyBump Administrative portal that tells you how each patient’s loan is progressing – from the pre-approval, to the final approved loan amount, type of loan and any interest rate associated with that loan type.  You will also be able to track when the request for funds has been approved and the funds have been released to the practice.

Yes! Studies have shown that more than 80% of new patients who have had an initial consultation and simply disappear, were too embarrassed to say they couldn’t afford the treatment. As a result, they never followed up to continue with the process to start their cycle. JoyBump gives these patients the knowledge that they can afford their fertility treatment, giving them the power they need to keep moving forward with their dream to have a child.

JoyBump is the only loan company with interest-free financing available to those who qualify for 12, 18 and 24 months. We have a variety of other loan types available including 36 to 60 month loans with low interest rates. JoyBump never charges a prepayment penalty on any loans.

Patients can apply for up to $50,000 with various payment options ranging from monthly interest-free to low interest payments.

JoyBump offers a multi-release option for patients that want to finance pre-cycle testing, more than one fertility treatment, as well as medication, but only want to “pay as they go”. This function allows the patient to apply once for a loan amount to cover those treatments and then progress through the necessary steps of fertility care without making payments on money that hasn’t yet been released to your practice. You simply request the necessary amount of money for that particular treatment and the patient releases it to the practice. There is no need for the patient to reapply and they only start monthly payments on the amount they have used; not how much they have been approved to borrow. They have four months to utilize the balance of the loan. This helps with patient retention and keeps the patient connected with your fertility center through all of their fertility care that is covered by that loan.

No! Your practice has partnered with JoyBump to give your patients access to interest-free or low interest loans for accessibility to fertility treatment. The loan payment can only be transferred to your practice account for treatment with your physicians.

We prefer credit scores of 700 or higher; however, we have loan options available for those patients who have lower credit scores. We try to help everyone by giving them the bump they need to access fertility care.

JoyBump charges merchant fee as low as 2.9% on interest bearing loans for patients. Practices can provide Interest-free loans to their patients for a higher merchant fee. Practices have full control over which loan plans to offer their patients.